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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $82,573 | $60,139+37.3% | $90,461-8.7% | $79,856+3.4% |
| Participation rate | 86.5% | 65.0%+21.5pp | 72.7%+13.8pp | 69.6%+16.8pp |
| Annual return | 13.10% | 71.96%-58.9pp | 1294.76%-1281.7pp | 31.71%-18.6pp |
| Employer contribution / active EE | $1,894 | $2,069-8.4% | $3,264-42.0% | $2,471-23.4% |
| Participant deferral / active EE | $2,520 | $2,939-14.3% | $3,964-36.4% | $3,741-32.6% |
| Admin fee / account holder | $6,311 | $3,978+58.6% | $5,617+12.4% | $5,306+18.9% |